My question involves an injury that occurred in the state of: Illinois. I was rear ended two days ago and the other driver is assuming full liability. I was restrained but my passenger was not. My passenger sustained neck injuries. My passenger wants to sue my insurance company. I was researching and planning to switch insurance companies before the accident. Is the passenger's claim invalid because he was not restrained? What happens if I switch insurance companies before my passenger files a claim? Can my passenger still sue the old insurance company since I was covered under them at the time of the accident? Should my passenger sue the insurance company of the person that caused the accident? Or will the passenger sue me?